Who Needs Sr22 Insurance?

What is an Sr22?

An Sr22 is proof of insurance. In Illinois an Sr22 is a certificate of financial responsibility. It guarantees you carry the minimum insurance required by the state of Illinois. When you have an Sr22, this also means you will carry it for a set period of time.

Who Needs Sr22 Insurance?

Despite the Sr22 being required by law in Illinois. It is only for drivers that are considered high-risk. This includes drivers with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, and mandatory insurance supervision.

This also includes individuals that have received three or more convictions for mandatory insurance violations. Illinois law states that cheap Sr22 insurance must have the following minimum amount in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident.
  • $50,000 for injury or death of more than one person in an accident.
  • $20,000 for damages to the property of another person.

Common reasons to file for an Sr22

The price of Sr22 insurance varies depending on the state, the person and the insurance provider. Some common reasons that people file an Sr22 is:

  • A revoked or suspended license.
  • Driving without a license.
  • DUI/DWI convictions.
  • Driving uninsured.

Types of Sr22’s

There are 3 types of forms for an Sr22. You have an Operator’s Certificate which covers the driver in any non-owned vehicle. There is an Owner’s Certificate that covers the cars owned by the driver. The final form is a Operators-Owners Certificate. This Covers all cars owned or not owned by the driver.

When you file for a Sr22, you can choose which one you want to file for. Always remember to choose the one that best suits your situation. Another thing to be aware of when it comes to Sr22 insurance, is when to renew. An Sr22 must be renewed when at least 45 days before the policy ends to avoid any license suspensions.

Check your license isn’t suspended

Your license may still be suspended after an Sr22 filing if there are still additional judgments against you. This can include unpaid tickets or fines, even unpaid child support. Also there could be an error with your Sr22 filing. 

If there is an error when filing your Sr22. Then you should contact an agent to look over your information. This includes proper spelling of your name, your date of birth and driver’s license number.